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Business Banking

About Us

Business Banking

At 1st Capital Bank, we believe concierge customer service is providing the right combination of products and services to make banking more convenient and efficient for your company.  We offer a wide variety of business products and cash management solutions to tailor your relationship to fit your business banking needs. To get started, stop by one of our branch locations and speak with a Client Services Representative.

Business Products Comparison Chart

Simply click one of the account types to view account information.

Business Checking & Savings Accounts
Account TypeMinimum to Open AccountInterest Earned1Service Charge Minimum BalanceeStatement Credit BackTransaction Limits
Business Analysis Checking  $100.00 No None No None
Small Business Checking  $100.00 No $5,000 or $10,000 Combined Balance2 $2.003  150 Debit Items4
Business Checking  $100.00 No $10,000 or $25,000 Combined Balance5 No  300 Debit Items6
Business Interest Checking  $100.00 Yes $5,000 or $10,000 Combined Balance2 $2.003  50 Debit Items7
Non-Profit Business Checking $100.00 No None No 300 Debit Items6
Attorney Trust Account (IOLTA) $1,000.00  Yes  None No None
Business Money Market $1,000.00  Yes $2,500.008 No Limited to 6 transactions per statement cycle12
Premier Business Money Market $1,000.00   Yes  $25,000.009 No Limited to 6 transactions per statement cycle11
Business Savings $1,000.00  Yes   $500.0010 No Limited to 6 transactions per statement cycle12
Premier Business Savings $1,000.00  Yes   $500.0010 No Limited to 6 transactions per statement cycle12
 


We Make Banking Easy

    • Visa® Debit Card
    • Online Banking and eStatements
    • Electronic Bill Payment
    • Mobile Banking and Mobile Check Deposit
    • Combined Statement Available with Checking or Savings Account with Identical Ownership
    • Optional ACH Origination, Online Wire Origination, Positive Pay and Remote Deposit Services Available11
    • Automated Sweep Capability with Other 1st Capital Bank Accounts

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  1. Interest is tiered and based on account balance. Interest rate and annual percentage yield for tiers may change at any time.  Interest is compounded monthly based on the simple compounding method and credited during the monthly account statement cycle.

  2. A monthly service charge of $17.00 will be imposed if the calculated average daily ledger balance during the monthly statement cycle falls below either: $5,000.00 for the Business Checking Account only; or $10,000.00 for combined balances (includes Business Checking and all attached qualifying deposit accounts with the same reporting tax identification number)

  3. For an account using eStatement service, a credit of $2.00 will be applied to the account should a monthly service charge be assessed during the monthly statement cycle.  If the account is not assessed a monthly service charge then the account will not receive the $2.00 credit.

  4. The first 150 debit transactions (checks paid, point of sale, ATM withdrawal, and other debit transactions) per monthly account statement cycle are at no cost. Thereafter, the charge is $0.15 per debit transaction in excess of 150.

  5. A monthly service charge of $20.00 will be imposed if the calculated average daily ledger balance during the monthly statement cycle falls below either: $10,000.00 for the Business Checking Account only; or $25,000.00 for combined balances (includes Business Checking and all attached qualifying deposit accounts with the same reporting tax identification number) 

  6. The first 300 debit transactions (checks paid, point of sale, ATM withdrawal, and other debit transactions) per monthly account statement cycle are at no cost. Thereafter, the charge is $0.15 per debit transaction in excess of 300.

  7. The first 50 debit transactions (checks paid, point of sale, ATM withdrawal, and other debit transactions) per monthly account statement cycle are at no cost. Thereafter, the charge is $0.15 per debit transaction in excess of 50. 

  8. A service charge of $10.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $2,500.00.

  9. A service charge of $20.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $25,000.00.

  10. A service charge of $2.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $500.00.

  11. During any statement cycle, you may not make more than six (6) withdrawals or transfers to another account of yours or to a third party by means of a pre-authorized or automatic transfer of telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party.

  12. During any statement cycle, you may not make more than six (6) withdrawals or transfers to another account of yours or to a third party by means of a pre-authorized or automatic transfer of telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. An additional transaction fee of $10.00 will be charged for each pre-authorized transfer in excess of six per statement cycle.